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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,475 | $79,209-14.8% | $102,434-34.1% | $74,459-9.4% |
| Participation rate | 35.2% | 74.8%-39.5pp | 76.5%-41.3pp | 67.2%-32.0pp |
| Annual return | 13.00% | 54.98%-42.0pp | 29.46%-16.5pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,593 | $4,417-63.9% | $5,055-68.5% | $4,350-63.4% |
| Admin fee / account holder | $327 | $2,002-83.6% | $9,462-96.5% | $1,945-83.2% |